Align Credit Union Lowell MA | Convenient ATM Services & Access

Introduction

Welcome to Align Credit Union, your trusted financial partner located at 40 Market St, Lowell, MA 01852. Since our establishment in 1922, we have been dedicated to serving our community with integrity and commitment. With over 28,510 members, we pride ourselves on being a vital part of the lives of those we serve. At Align, we understand that each member's financial journey is unique. That's why we offer a range of services tailored to meet your needs. Whether you're looking for a reliable place to save or need assistance with loans our total assets stand at an impressive $679,499,499, ensuring we have the resources to support you. Our members have access to $3,187,212 in total deposits and can benefit from our diverse loan offerings totaling 9,986 loans and leases. Our leadership team is passionate about fostering a welcoming environment. CEO Lydia Vazquez and Board President George Gagan work tirelessly to uphold our values and ensure that our members receive the best service possible. We invite you to reach out at 978-452-9961 for any inquiries or visit us in person we're here for you! While members can visit us at our main branch location, official correspondence should be sent to PO Box 7008, Lowell, MA 1852. Explore more about what we offer by visiting our website at aligncu.com. Join us at Align Credit Union today where your financial success is our mission!

Branch History & Mission

Community Engagement

Align is committed to being a responsible member of the Lowell community. We actively participate in local outreach programs and collaborate with other organizations to support various causes that matter most to our members. Our efforts include educational workshops on financial literacy and sponsorships for community events that bring people together. With operating hours designed for your convenience Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:00 AM to 6:30 PM, and Saturday from 9:00 AM to 12:00 PM we aim to be available when you need us most. As we continue on this journey together, we invite you to join Align and experience all the benefits we have to offer. Become part of a community-focused credit union where your voice matters and your goals are within reach. Let's work together towards a brighter financial future! For more information or to become a member today, please call us at 978-452-9961 or visit us online at Align Credit Union.

Our Mission

The heart of Align's mission is simple yet profound: we are dedicated to enhancing the financial well-being of our members while fostering strong community ties. We believe that banking should be about more than just transactions; it should be about building relationships and supporting one another. Our focus extends beyond providing quality financial services; we are also deeply invested in local initiatives and partnerships that uplift those around us. While members can visit us at 40 Market St, official correspondence should be sent to PO Box 7008, Lowell, MA 1852. We understand the importance of accessibility in today's fast-paced world. That's why we offer ATM services and robust online banking options for your convenience, ensuring you have easy access to your finances whenever you need them.

Branch Location & Accessibility

Accessibility and Parking

At Align, we prioritize your convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for easy access. We also have ample parking available nearby, so you can stop by without worrying about finding a spot.

Call to Action

If you have any questions or need assistance, don't hesitate to give us a call at 978-452-9961. We look forward to welcoming you at Align's Market Street Branch!

Nearby Landmarks

You'll find us close to several local landmarks, which makes visiting us even easier. Whether you're near the vibrant downtown area or enjoying a stroll by the Merrimack River, we are just a short walk away!

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:00 AM to 6:30 PM, and Saturday from 9:00 AM to 12:00 PM. Our friendly team is ready to assist you during these hours.

Services Offered

While we currently provide ATM services only at this location for withdrawals and balance checks, our team is always available to help with any questions you may have about our offerings or how we can assist you further.

Member Eligibility

At Align, we believe that everyone deserves a chance to thrive in their financial journey, and becoming a member is your first step towards joining our welcoming community. If you're looking to become part of our family, you'll be happy to know that eligibility is straightforward. Generally, if you live, work, or worship in the areas served by us, you can easily qualify for membership. This means that whether you're a longtime resident or new to the neighborhood, there's a place for you at Align. We pride ourselves on offering personalized services and benefits tailored to your needs, making your financial life easier and more fulfilling. Ready to join? Opening an account with us is simple! Just visit our website at https://olb.aligncu.com/auth/enrollment where you'll find everything you need to get started. If you have any questions or want more information about eligibility criteria, feel free to give us a call at (978) 452-9961. For detailed guidelines on who can join, check out our resource page at . We're excited to welcome you into the Align community!

Business Banking & Commercial Services

At Align, we understand that every business has unique needs and dreams. Whether you're a local startup or an established company in Lowell, MA, our tailored banking solutions can help you thrive. Imagine securing the funds to launch a new product line or expand your operations. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $111 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $66,591,645, we continue to drive economic growth by financing new and expanding businesses. But we don't just stop at loans. Our merchant services make transactions easier for you and your customers. Picture this: a busy Saturday at your store, where quick and efficient payment processing means happy customers and smooth operations. Let's partner together to fuel your business ambitions! Visit us at 40 Market St Lowell Ma 01852 or call us at (978) 452-9961 to learn more about how we can help you succeed.

Comprehensive List Of Services

A Personal Touch to Banking

Whether you're looking to manage your finances through digital tools or need assistance with traditional banking methods, we have you covered. Our offerings include ATM Services Only, which provide basic ATM access for withdrawals and balance checks. This means you can easily access your funds whenever you need them, right from the comfort of your neighborhood. Imagine being out and about in Lowell and needing cash for a spontaneous purchase. With our ATM services, you can quickly get what you need without any hassle. Our ATMs are designed with your convenience in mind, making sure that accessing your money is as easy as possible.

Digital Banking Features

In today's fast-paced world, having digital banking options is essential. At Align, we understand this necessity and offer various online services that allow you to manage your accounts anytime, anywhere. From checking your balance to transferring funds between accounts, our online banking platform is user-friendly and secure. Additionally, if you're on the go, our mobile application makes it even easier to keep track of your finances. You can perform transactions directly from your smartphone, giving you the freedom to bank wherever life takes you.

Join Us Today!

At Align, we believe in empowering our members through comprehensive financial services that cater to their needs. We invite you to visit us at 40 Market St Lowell Ma 01852 and discover how we can assist you on your financial journey. Whether it's through traditional banking or modern digital solutions, we're here for you every step of the way. For more information about opening an account or exploring additional services, please visit our website at Market Street Branch. We look forward to welcoming you into the Align family!

Member-Centric Approach

Our commitment extends beyond just transactions; we aim to build lasting relationships with our members. If you have questions or need guidance regarding your financial journey, don't hesitate to reach out to us at (978) 452-9961. Our friendly staff is here to help you navigate through any queries or concerns.

Digital & Online Banking

Key Features

With just a few clicks, you can access your accounts through our online banking portal at https://www.aligncu.com/. This user-friendly interface allows you to check balances, transfer funds, and pay bills all from the comfort of your own home. Plus, enjoy 24/7 online banking services, ensuring you can manage your finances whenever it suits you. Our mobile application further enhances your banking experience, giving you the power of banking right in your pocket. Need to send money to a friend? With our person-to-person transfer feature, it's as simple as a few taps on your phone. And if you're looking for quick payments at checkout, our mobile payments feature has got you covered.

Security and Accessibility

Your security is our top priority. We take measures to ensure that your information is safe while using our digital services. Although we currently do not offer electronic signature authorization, rest assured that we have other secure methods in place for your peace of mind. Additionally, if you're looking to go paperless, we offer e-statements for easy access to your financial documents anytime you need them. This not only helps reduce clutter but also keeps all your statements organized and easily retrievable. At Align, we believe that managing your finances should be straightforward and efficient. Join us today and explore how our digital and online banking services can simplify your banking experience!

Financial Strength

At Align, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong commitment to serving our community in Lowell, MA, we are proud to showcase our financial strength and reliability. With a net worth of $66,878,219, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 983 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $153,459,639 in share certificates and $59,065,307 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $748,413, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $66,061,257 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $39,327,943 in total loans and leases and 1,322 used auto loans available for members looking to purchase vehicles. Our operational efficiency is reflected in our net income of $0, allowing us to focus entirely on enhancing the services we offer you. We also take pride in having 121 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. The total share accounts at 62,560 show a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Align is your trusted partner. Visit us at 40 Market St., Lowell MA 01852 or call 978-452-9961 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $16,420,943 in used vehicle loans and $7,540,021 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options available for everyone.

Business Loans

For business owners, our outstanding commercial loans totaling $66,591,645 provide the capital needed to grow and expand your business. We understand that every business is different; that's why we tailor our services to meet your specific needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $62,064,206, make buying or refinancing simple. We provide personalized service to help you navigate the mortgage process smoothly.

Refinancing Options

If you're considering refinancing any of your current loans for better rates or terms, our team is ready to assist you. We'll guide you through eligibility options and help you find the best solution for your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Align, we're committed to supporting our members through every financial journey. Whether you're looking for an auto loan or planning to purchase a home, we're here to help you every step of the way!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,407,989 in loans helping members manage their finances effectively. These cards come with competitive interest rates and no annual fees.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers for users looking to secure a loan.

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